Title Services
1. TITLE INSURANCE
Title insurance is a type of protection for property owners and lenders. It ensures that the title (legal ownership) to a property is free from any issues that could affect your right to own or sell the property. Unlike other types of insurance that protect against future events, title insurance focuses on protecting against past issues that might surface after a transaction, such as:
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Outstanding liens (unpaid debts tied to the property).
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Conflicting ownership claims.
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Errors or omissions in past deeds.
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Fraud or forgery in past ownership records.
By having title insurance, you’re safeguarding your investment against unexpected problems that could threaten your ownership rights.
2. TITLE SEARCH
A title search is the process of thoroughly examining public records to verify the legal history of the property. This step ensures that the current owner has the legal right to sell the property and that there are no hidden issues that could impact the new owner.
During a title search, we investigate:
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Past ownership (also known as the “chain of title”) to ensure it’s accurate and complete.
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Any outstanding liens, mortgages, or judgments against the property.
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Restrictions, easements, or rights-of-way that may affect the property’s use.
The goal of a title search is to uncover and resolve any potential problems before the closing to avoid future complications.
3. HOW DO WE ENSURE CLEAR OWNERSHIP?
At Apirra Abstract and Title, we ensure clear ownership through a meticulous process:
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Comprehensive Title Search: Our experienced team conducts a detailed examination of public records to identify and address any issues.
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Resolving Issues: If we discover liens, errors, or other encumbrances, we work to resolve them before the transaction is completed.
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​Issuing Title Insurance: Once the title is verified as clear, we issue a title insurance policy to protect you and your lender from unforeseen claims or disputes.
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Transparent Communication: We keep you informed every step of the way, so you understand the status of your property and have peace of mind during the process.
Why is this Important?
Title insurance and clear ownership are critical to protecting your real estate investment. Without these safeguards, unresolved title issues could result in financial loss, legal disputes, or even the loss of your property.
By partnering with a boutique title company like Apirra, you get personalized attention and expert care to ensure your transaction is smooth, secure, and stress-free.
